Welcome to our Spring 2022 News!


President's Message

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By Michelle Knoebel, CMB

President, MBA of Florida

How time flies! It’s already spring and my term as MBAF President is quickly coming to a close. I continue to be impressed with the dedicated people volunteering their time and talent for our association, our members and mortgage lenders throughout Florida. Highlights from our year so far!

Eastern Secondary Conference and Annual Convention

Register Now!

You won’t want to miss it! Our two committees are working hard to ensure our 18th Eastern Secondary Conference and 68th Annual Convention will be one of the best ever. We plan to knock it out of the park and we have an incredible line up of sessions and speakers. The conferences are being held back to back with separate events for each and three crossovers sessions in between. The event will be held June 21-23 at the beautiful Hyatt Regency Grand Cypress in Orlando. The draft of the program, the registration, exhibit and sponsorship forms are online and registration is open. The early registration deadline is May 7th. It is very important to make your room reservations now and make sure you grab a sponsorship or exhibit position today. Last year we sold out of exhibit space! See information directlybelow my message with program information, links to register and important early registration and hotel room reservation deadlines.

Educational Opportunities

Our Education Committee has presented three webinars so far this fiscal year and participation has been excellent. Along with the webinars the MBA of Florida is exploring a partnership which will allow us to offer discounted Continuing Education credit courses to our members. We believe this will be a tremendous benefit and we look forward to sharing the details!


It's a new calendar year and half way through the MBA of Florida's fiscal year. That means you can join the MBA of Florida today and your dues will be paid through June 2023. Members also receive a discount when you register for our convention. We need members and participation and I encourage you to join or speak with those at your firm who can begin the process. Potential Members - Click Here to Access Membership Information


Although our annual Tallahassee Capitol Hill visits were cancelled due to the pandemic our Legislative Representative Eric Prutsman, Esq continued his long tenure of representing the best interests of the MBA of Florida. Eric continues to provide not only in depth information about each proposed bill that may have impacts to our industry but also provides an excellent overview of the bills that are most important. This information is emailed out to our members and also available via the Education link on our website. Click Here for the End of 2022 Session Report


Please continue to Support MPAC. The funds donated are critical for ensuring our voices are heard!! Click Here for Information and to Donate

I truly appreciate the support I continue to receive from the Executive Team, Past Presidents, Directors, Chapter Presidents and Committee Members who are making this year a very successful one. I also want to thank our Executive Director, Brenda Thomas. Thank you for keeping us in line and helping us achieve our goals. I look forward to seeing you all in June!

18th Annual Eastern Secondary Market Conference

 and 68th Annual Convention

June 21-22-23, 2022

Hyatt Regency Grand Cypress, Orlando, Florida

Click Here to Access Registration, Exhibitor, Sponsorship Forms and the Hotel Room Reservation Link

Click Here to Sign in and Register Online

(Save $150 if you Register by May 2nd)

(Hotel Room Reservation Cut-Off May 30th)

Schedule Outline Below

Monday June 20, 2022

Golf 11 AM Villas of Grand Cypress

Registration available online and your form!


Tuesday June 21 - Secondary Programs Begin Today

8 AM                Registration Opens for Exhibitors and Attendees

8:30—9:30 AM Breakfast and Networking Time

10 AM—4 PM  Exhibitors Set-up

10 – 11 AM Non-QM Panel

Steven Schwalb, Managing Partner, Angel Oak

Tom Davis, Executive Vice President, Correspondent Lending, First Guaranty Mortgage

Shelly Griffin, Senior Vice President, Client Development, Deephaven Mortgage

Moderator: Rudy Orman, CMB, Reliant Bank

11 – 11:30 AM Networking / Refreshment Break

11:30 AM – 12:30 PM American Enterprise Institute Housing Center Current Updates, Ed Pinto, Senior Fellow and Director, AEI Housing Center

Moderator: Nitin Dave

12:30 – 1:30 PM Lunch / Networking Time

1:30 – 2:30 PM  Secondary Panel Discussion - A Day in the Life of a Secondary Desk Manager

Vinay Miglani, Senior Vice President, Capital Markets, FBC Mortgage

Joaquin “Ken” Torre, Executive Vice President, Capital Markets, First Guaranty Mortgage Corporation

Moderator: Mark Teteris, CMB Optimal Blue

2:30 – 3 PM Networking / Refreshment Break

3 – 5 PM   Hedge Advisory Firms/MSR • Valuing Servicing Rights

• Importance of Customer Retention • Benefits of Hedging

• Best Execution • Mandatory vs. Best Efforts

• Single Loan Sale vs Bulk Sale

Azad Rafat, Senior Director MSR Services, Mortgage Capital Trading, Inc.

Toby Huskinson, Quantitative Scientist, Optimal Blue

Ashlee Davis, Vice President – Analytics, PHOENIX

Moderator: Tim Allen, CMB, First Horizon

5—6:30 PM Exhibit Grand Opening Welcome Reception

Wednesday June 22

7 AM  Registration Opens

7:30—9 AM CMB Breakfast with Featured speaker Jim Deitch, CPA, CMB, CEO, Teraverde Mortgage and FinTech Thought Leader | Best Selling Author | Public Speaker

The 3 Things CMBs Should Be Doing Right Now

Following the speaker’s presentation Tim Allen, CMB will lead a discussion about the value of CMB designation, and the steps involved in attaining the designation.

Moderator: Tim Allen, CMB, First Horizon

8—9 AM Breakfast with Exhibitors


9 AM—12:30 PM Crossover Sessions of Interest to Secondary / Convention Attendees

9 – 10:30 AM Special Kick-Off Session-Announcement Coming

10:30 – 11:15 AM MBA Washington Update, Bob Broeksmit, CMB, President and CEO, MBA National

Moderator: Sherry Gallitz, CMB, Union Home Mortgage

11:15 – 11:45 AM Networking / Refreshment Break with Exhibitors

11:45 AM – 12:30 PM Economic Update, Doug Duncan, Ph.D. Senior Vice President and Chief Economist, Fannie Mae

Moderator: Doug Leever

12:30—1:30 PM Lunch with Exhibitors

1:30 PM Annual Convention Programs Begin/Sessions

1:30 – 3 PM Agency Updates (Speakers Confirming)

Moderator: Michelle Knoebel, CMB, SupportLink3

3 – 3:30 PM Networking / Refreshment Break with Exhibitors

3:30 – 4:45 CEO Panel

Tawn Kelley, President, Taylor Morrison Home Funding

Phil Defronzo President, Norcom Mortgage

Tim Wilson, CEO, President, Long and Foster

Moderator: Jim Deitch, CPA, CMB, Teraverde Financial LLC

4:45 - 6 PM Reception with Exhibitors / MPAC Drawings Begin

Thursday June 23

7 AM Registration Opens

8—9 AM Incoming Local Chapter Presidents Breakfast

9 AM—12:30 PM Convention Sessions

9 – 10 AM Client Engagement-Maximizing the Homebuyer Experience

Kristin Messerli, Vice President, Experience.com

Ralph Remy, Director, Client Digital Experience, National MI

Moderator: Robert Villalon, National MI

10 – 11 AM National and Florida Housing Market Update and Forecast

Kristine Smale, Senior Vice President, Zonda Advisory

Moderator: Doug Leever

11 – 11:30 AM Closing Networking Refreshment Break with Exhibitors

11:30 AM – 12 PM Affordable Housing Panel

Sean Moss, Executive Vice President, Down Payment Resource

Chip White, Homebuyer Loan Programs Director, Florida Housing Finance Agency

Moderator: Christie Buff, MGIC

12:30—2:30 PM Special Closing Luncheon with Annual Meeting / Election /Installation / Brown L Whatley Award and MPAC Drawings with special host and speaker, Steve Richman, National Director of Strategic Growth & Branding, VanDyk Mortgage 

View our 2019 Video on Why You Should Attend!

View our 2021 Event Photo Album on Facebook

2022/2023 Board of Directors

The Nominating Committee met and finalized the slate of officers, which will be voted on at the Annual Business Meeting on Thursday June 23, 2022 in conjunction with the June conference and convention. Please be on the look out for the official announcement of your new Board!


Thank you members for being an important part of this volunteer association. All ideas come from the needs of our members through committees. Please volunteer to assist with the upcoming year's activities. Your dues invoices will be provided in May. Please contact mbaf@mbaf with any questions or concerns.

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Are you familiar with the Seven Habits of Highly Effective People, and did it have a positive influence in your life and career?

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Published by Tim Allen, CMB®

Below is a Stephen Covey quote that has hung in my office for years and it has helped me to motivate myself and to give good advice to others especially in times of change like we are going through today. 

Early in my career I was fortunate enough to participate in a 7 Habits of Highly Effective People for Managers in a live multi day workshop presented by Stephen Covey, the author of The Seven Habits of Highly Effective People. At that time, I was a top producing loan officer that had recently been promoted to sales manager and I didn't yet really understand my role and the importance of teamwork. We really dug into the 7 habits in this workshop and how to effectively apply them in working with others.

Our business is all about teamwork and this is where I was taught how working proactively within a team produces far greater results than I could ever accomplish working on my own.

 I continue to use the principles from the 7 Habits all the time.

1.   Be proactive

2.   Begin with the end in mind

3.   Put first things first

4.   Think win/win

5.   Seek to understand first, before making yourself understood

6.   Learn to synergize

7.   Sharpen the saw

The pre-work for the workshop consisted of a detailed self-assessment questionnaire and an assessment from 3 peers, 2 managers and 3 people who reported to me, the assessments were put in sealed envelopes and sent directly to the workshop. My associates assumed that their assessment would be kept confidential but that is not what happened. On the first day of the workshop, we opened and read all the assessments and I learned a lot both good and bad about myself.

This book and this workshop helped me to be a better employee, manager, friend, husband, and a better father than I otherwise would have been. I am grateful that my employer selected me to participate in this program, I am also grateful for the honest assessments from my associates because they helped me learn things about myself that I may otherwise never know. If you every have an opportunity to take a workshop like this, I highly recommend you take advantage of the opportunity.

If you are a mortgage banker and your company will pay for it, I highly recommend MBA’s Future Leaders program. MBA Education's Future Leaders Program is a valuable opportunity and platform the enables you to build your leadership skills through experiential learning, in-person collaboration and peer group interactions. Not to mention, the networking opportunities that come with an exclusive program like this. More info is here at 


During my year as president on the MBAF I started MBAF’s Future Leaders Program and it’s still going and it’s FREE! It’s a great program designed to develop teamwork and leadership skills. MBAF’s Future Leaders Program is dedicated to identifying and cultivating the next generation of industry leaders by delivering a comprehensive leadership training experience for selected participants through four events offered throughout the year. More info is here at 


2021/2022 Board of Directors

Thank YOU for Volunteering!

Executive Committee

(To View online-Click Here)


(To View Online-Click Here)

Local Chapter Presidents

(To View Online-Click Here)

Mark Your Calendars-September 16th

Our Next Webinar brought to you by Exchange Analytics Complete Information Coming Soon


Click Here to View Committees and Sign Up All Committees will begin are gearing up for the year. It pays to participate and be involved in the decisions and activities of your association!

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Click Here to Access the Future Leaders Information and Application

MBAF’s Future Leaders Program is dedicated to identifying and cultivating the next generation of industry leaders by delivering a comprehensive leadership training experience for selected participants through four events offered throughout the year.

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Click Here for Information on the Mortgage Action Alliance

Through the Mortgage Action Alliance (MAA), we give all real estate professionals a platform and a voice. It's time to use it to help shape policies and be part of building the next era of real estate finance. Signing up is free and quick!.

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(Click Here for Annual Sponsorship Information)